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PCI DSS compliance

Essential for credit card acceptance

The theft of highly sensitive card data and the fraudulent use of this data is unfortunately widespread, and criminal organisations and individuals are constantly becoming more creative in their methods. The loss of image and reputation and the financial damage are huge. The leading credit card organisations, VISA, MasterCard, American Express, JBC and Discover Financial Services have therefore joined forces to establish the Payment Card Industry Data Security Standard ("PCI DSS"), in order to guarantee data security when making payments by credit card.

Adherence to the PCI DSS regulations is compulsory for all credit card acceptance systems that transmit, process and/or store data. There is a so-called level grading that categorises merchants and payment service providers into 4 different, complex categories, depending on their annual card transaction volume. Depending on the PCI DSS level, the contracting company has to agree to a variety of regular internal and external audits to obtain and maintain PCI DSS certification. The certification must also be renewed every year.

The various requirements and level definitions are set out below:

Relevant business volumes

Compliance requirements

Level 1

More than 6,000,000 annual transactions in all channels, including e-commerce

Annual on-site PCI security audits and quarterly network scans

Level 2

1,000,000 - 5,999,999 transactions per year

Annual internal security reporting and quarterly network scans

Level 3

20,000 - 1,000,000 transactions per year

Annual internal security reporting and quarterly network scans

Level 4

Fewer than 20,000 e-commerce transactions per year, and all merchants with up to 1,000,000 transactions through all channels

Annual internal security reporting and quarterly network scans

PayCific International AG fulfils all of the strict requirements of Level 1 and is thus authorised and entitled to carry out any type of credit card transaction.

Do you have any questions about PayCific?

... Because online payments are a matter of trust

Welcome to the universal provider of e-payment services

PayCific specialises in the invoicing of products sold on the Internet. The most common payment systems worldwide are accepted, using only a single payment platform. This means that the merchant has only one contract partner for all services and does not need to conclude his own acceptance or account agreements with credit card organisations, banks or financial service providers.